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Consumables in Motor Insurance: What They Are & Why You Shouldn't Ignore This Add-On Cover
When you think of car insurance, you probably imagine protection against accidents, theft, or natural disasters. But what about the smaller, often-overlooked components of your vehicle that play a major role in keeping it running smoothly? That’s where "Consumables in Motor Insurance" come into play. While standard comprehensive insurance covers major repairs and damages, it often excludes expenses for consumables like engine oil, nuts, bolts, washers, grease, and coolant. That’s why understanding and opting for consumables cover add-on can make a big difference in your overall protection and peace of mind.
What Are Consumables in Motor Insurance?
Consumables refer to those items in your car that are used up during repairs and maintenance but are not reusable. These typically include:
What Is a Consumables Cover Add-On?
A consumables cover is an optional add-on to your motor insurance policy that reimburses the cost of consumable items used during vehicle repairs. It can be availed during policy purchase or renewal but cannot be added mid-term.
This add-on becomes particularly helpful in case of claims that involve parts replacement, where consumables form a significant portion of the overall expense.
Key Benefits of Consumables Cover in Motor Insurance
1. Cost Savings During Claims
By covering the cost of consumables, this add-on saves you from out-of-pocket expenses that usually aren’t reimbursed.
2. Covers Often-Ignored Components
Items like screws, nuts, grease, and lubricants might seem trivial individually but collectively add up during major repairs.
3. Ideal for New Cars or Expensive Models
If you own a new or high-end vehicle, the cost of even minor repairs can spike. Consumables cover adds an extra layer of financial protection.
4. Affordable Premium Addition
It typically adds a nominal amount to your annual premium, making it a cost-effective add-on.
5. Peace of Mind
Knowing that even the smallest components are covered helps you feel fully protected.
Who Should Opt for This Cover?
While beneficial for almost everyone, this cover is especially recommended for:
Common Misconceptions About Consumables Cover
Consumables are too cheap to worry about.
Combined, these items can add up to INR 2,000–5,000 or more during one repair.
It’s only needed for luxury cars
Mid-range and economy car owners benefit just as much from rising repair costs.
Comprehensive insurance already covers everything
Not true — consumables are specifically excluded unless you buy the add-onNot true — consumables are specifically excluded unless you buy the add-onNot true — consumables are specifically excluded unless you buy the add-onNot true — consumables are specifically excluded unless you buy the add-on
Before You Buy: Consumables Cover Checklist
Other Add-Ons Worth Considering
While consumables cover is essential, you might also want to consider these add-ons for comprehensive protection:
| Add-On Cover | What It Does |
|---|---|
| Zero Depreciation | Full claim value without deduction for wear & tear |
| Engine Protection | Covers damage due to flooding or leakage |
| Roadside Assistance | Help for breakdowns, flat tires, towing |
| Return to Invoice | Get invoice value if car is totaled |
| Tyre Protection | Covers accidental tyre damage |
Talk to a trusted insurance advisor to combine multiple add-ons into a customized policy bundle.
Conclusion
When you're investing in car insurance, the goal is to ensure maximum protection for your vehicle—and consumables cover does just that. It fills the gaps left behind by traditional motor insurance policies and saves you from paying out-of-pocket for commonly used parts.
So, the next time you renew your motor insurance, consider adding this valuable cover. It’s a small price to pay for comprehensive peace of mind on the road.
Contact us today or Visit https://basketoption.insure/,the leading insurance brokers in Bangalore — for expert guidance and the most competitive quotes on car and motor insurance, including valuable add-ons like consumables cover. Our experts will help you choose the most cost-effective and comprehensive plan based on your vehicle and driving habits.
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Frequently asked question
Understand your insurance policy options. Identify the best value. Enjoy peace of mind.
?Are consumables covered in standard car insurance
No, standard policies typically exclude consumables unless you buy the add-on.
?What is included under consumables in motor insurance
Items like engine oil, brake oil, nuts, bolts, grease, washers, and lubricants.
?Is the consumables add-on expensive
Not at all! It’s a nominal cost that can save you thousands during repairs.
?Can I buy the consumables cover later
No, you must buy it at the time of policy purchase or renewal.
?Is it worth taking consumables cover for older cars
It’s more beneficial for new or high-end cars, but you can consider it based on your driving conditions and service costs.
